Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
CHMG
BuyPremium GrowerChemung Financial Corporation · Financial Services · United States · $393M · Avg Vol: $5M/d
COMPANY DESCRIPTION
Chemung Financial Corporation is a regional bank holding company operating primarily through its subsidiary, Chemung Canal Trust Company, providing a comprehensive suite of commercial and retail banking, trust, and wealth management services. The company distinguishes itself through its deep roots in upstate New York and Pennsylvania communities and its diversified financial offerings, fostering strong, long-term client relationships.
FINANCIAL SUMMARY (USD)
| Year | 2021 | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 88.4M | 94.6M | 98.0M | 96.1M | 94.0M | 1.5% | 117.0M | 123.5M | 132.8M | 18.9% |
| EPS | 5.64 | 6.13 | 5.28 | 4.96 | 3.14 | -13.6% | 6.96 | 4.12 | 4.42 | 18.7% |
| Shares | 5.3M | 4.7M | 4.7M | 4.8M | 4.8M | -9.4% | 4.8M | — | — | — |
| Debt | 25.5M | 105.8M | 40.8M | 118.5M | 139.5M | 52.9% | 160.0M | — | — | — |
| Equity | 211.5M | 166.4M | 195.2M | 215.3M | 254.7M | 4.8% | — | — | — | — |
| Op CF | 35.5M | 35.0M | 30.9M | 29.8M | 45.5M | 6.4% | 46.8M | — | — | — |
| Inv CF | -242.5M | -252.6M | -82.4M | -57.7M | 68.3M | — | — | — | — | — |
| Fin CF | 125.5M | 246.5M | 32.5M | 38.1M | -110.8M | — | — | — | — | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of CHMG are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| CHMG | Chemung Financial Corporation(you) | $393M | 77 | Buy |
| MVBF | MVB Financial Corp. | $394M | 77 | Buy |
| RBB | RBB Bancorp | $444M | 75 | Buy |
| TSBK | Timberland Bancorp, Inc. | $361M | 80 | Strong Buy |
| NWFL | Norwood Financial Corp. | $372M | 81 | Strong Buy |
| COFS | ChoiceOne Financial Services, Inc. | $499M | 76 | Buy |
| CBNA | Chain Bridge Bancorp, Inc. | $300M | 77 | Buy |
| NEWT | NewtekOne, Inc. | $344M | 73 | Buy |
| FRST | Primis Financial Corp. | $397M | 84 | Strong Buy |
| PLBC | Plumas Bancorp | $430M | 71 | Buy |
Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%